Bank · FDIC insured
Peoples Bank & Trust CD Rates
Peoples Bank & Trust’s best CD rate is 3.75% APY on a 7-month CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Peoples Bank & Trust’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Peoples Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Peoples Bank & Trust
3.75%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $217
Certificates of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Peoples Bank & Trust CD score
75
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo1.91%
- 31–60 months31–60 mo2.42%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Peoples Bank & Trust ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.75%APY · 8 terms
Rates fixed for the term. Penalty imposed for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.00% | $50 |
| 7 monthsSpecial rate offer for 7 or 13 month term | 3.75% | $217 |
| 12 months | 2.02% | $202 |
| 13 monthsSpecial rate offer for 7 or 13 month term | 3.75% | $407 |
| 24 months | 1.91% | $386 |
| 36 months | 2.12% | $650 |
| 48 months | 2.22% | $918 |
| 60 months | 2.42% | $1,270 |
Sources (1)
- pbtc.net/personal/banking/savings-cds-iras · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.